Can I get a loan if I have an IRS tax Lien?
You will find it almost impossible to get a mortgage if you have an IRS or state tax lien. I am pretty sure that no bank will give you a mortgage loan either. However, Rodino Mortgage Services has sources who will over look your tax liens if they are not listed on the title to your property.
Contact me today, and we can discuss how to overcome your tax problem.
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My credit scores are below 500. How can I get a Mortgage?
Normally, most lenders will not give you a mortgage loan if your credit scores are below 500. However there are ways to increase your scores to overcome this problem. Also, Rodino Mortgage Services is an exclusive provider of the NO CREDIT CHECK financing option. Go to www.nocredithomeoption.com for more details.
Please contact us if you want to explore how we can help you boost your scores.
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Where can I get some money for a down payment?
If you don't have money for a down payment, you may qualify for one of our 100% mortgages. We can even do these loans for folks with credit scores as low as 550. However, if your credit isn't good enough for one of our 100% mortgages, we have down payment assistance, and we are experts at working with sellers to help you with your closing costs..
Please see our Properties section for a list of homes that have special financing and seller assistance available
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Are sub-prime loans expensive?
You bet they are! But, they don't have to be. Rodino Mortgage Services attempts to provide you with the best financing options for your property. We don’t offer high cost mortgages, and we don’t charge more for our non-conforming products. Our goal is to get you the best financing options we can find..
For more information on mortgages, please see our free report entitled Everything You Should Know About Mortgages.
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I can't prove any of my income. Can I qualify for a Mortgage?
Not a problem, we have loan products for all sorts of borrowers. We have a wide variety of stated income loans that may work for you.
Visit our Residential Financing section for more information on our products.
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How does Consumer Credit Counseling effect my ability to get a loan?
Most lenders consider consumer credit counseling to be the same as a Chapter 13 bankruptcy that has not been discharged because the person in counseling has declared that they are unable to pay their debts as agreed. Personally, we have not seen any good experiences come from anyone who has used a consumer credit counseling service. Fortunately, we have sources that will overlook the fact that you are working with a consumer credit counseling service, and they will not consider you as being in a bankruptcy that has not been discharged.
Visit our Residential Financing section for more information on the lending products that we offer.
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What if I just started a new job?
Job history is one of the ways that banks can tell if you will be a stable borrower. They generally want to see that you have been employed at the same company for at least 2 years. However, in today’s job market I challenge you to find me 10 people who have not changed jobs in the last year. At Rodino Mortgage Services, we understand the current industry trends and have sources that don’t care how long you have been in a job. We even have one source who just wants to know that you are employed, and they will consider you just like any borrower.
Go to our Apply Now section to see what we can do for you.
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Can you finance someone whose bankruptcy was just discharged?
Yes! How was that for a quick answer? We have the ability to finance people who are one day out of bankruptcy as long as they fit the other requirements of our loan products.
Send us a note explaining your situation, and we'll see which product will work for you.
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The bank foreclosed on my last home. When will I be able to get another Mortgage?
If you’re shopping around trying to find a lender who will do this, you probably think that you will never, ever get to buy a home again. Don’t panic! Rodino Mortgage Services even works with lenders who will give you a loan just 12 months after your foreclosure
Contact us today, and tell us what happened. We will listen to your story and see if we can help you get back into another home
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I never had any credit, and my credit scores are zero? Can you give me a mortgage loan?
You’re in luck. We do write loans for people who never had credit. But remember, if you start working with someone else, they may impede our ability to help you. Get the facts first at Rodino Mortgage Services..
Visit our Residential Financing section for more information on our products
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